01/10/2026
What did Q3 tell us about specialist property finance?
Bridging Loan Directory’s latest review highlights a recurring challenge: when properties take longer to sell, capital stays tied up. That can affect repayment of an existing loan and plans for the next project.
Funding announcements and completed deals continued throughout the quarter. But available funding is only part of the picture. Equity tied up in an existing scheme can still delay the next purchase, making cash flow and exit timing key considerations.
Alongside this, the government’s £210m high street regeneration package, announced by Andy Burnham and ministers in September, puts bringing derelict buildings back into use in the spotlight. For developers exploring refurbishment and conversion projects, viability, planning requirements and a clear funding strategy remain essential.
For brokers and property developers heading into Q4, there are some useful takeaways:
✅ Plan your exit early. Consider what happens if a sale or refinance takes longer than expected.
✅ Look beyond the purchase. Build costs, timescales and the cash needed to keep a project moving all matter.
✅ Stress-test your figures. Understand how delays, additional costs or a lower sale price could affect your cash flow and margin.
✅ Keep communication clear. Knowing what information is needed, who owns the next step and where a case stands helps maintain momentum.
At Mint Property Finance, we encourage brokers and developers to speak to us early. Understanding the project and proposed exit gives us a stronger starting point to explore suitable bridging or development finance options.
What’s been your biggest challenge this quarter: sales timescales, access to equity or progressing cases? Tell us in the comments
